Comparison

LumiPAY vs Ubupay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

LumiPAY

Manage your finances on the go with this mobile service. Deposit, withdraw, transfer funds, and pay bills conveniently and securely. Access your bank accounts and make digital payments anytime, anywhere.

Highlights
  • Deposit, withdraw, and transfer money
  • Recharge airtime and data plans
  • QR code payments
  • Check account balance
  • Find nearby agents
  • Transaction security with OTP
Features
Read full description

LumiPAY is an easiest mobile financial management service that allows customer to deposit, withdraw, transfer money, recharge, buy data plans and more in fast, safe and convenient way through the code *163# on your cell phone. To become one of the best mobile money services in Burundi, we launched the Application named as LumiPAY that would help you increase more experience. The App brings to our customers the best mobile money experience and through the LumiPAY App our customers can send and receive money to and from their loved ones, pay for commodities, access their bank accounts and be able to make other digital payments at anytime and anywhere. App Features: Free register and open LumiPAY account Transfer money to any LumiPAY customer in Burundi. Withdraw money at LumiPAY agent in your surroungdings. Recharge airtime and bundles data plans with convenience QR payment with merchants. Check your balance anytime, anywhere Search agent nearby The user will be able to view promotional content in the LumiPAY App as to see what is new in the LumiPAY ecosystem. Security Enhancements - A user will be provided with a one time password (OTP) at every transaction whereby the OTP will be sent to the user via SMS to ensure security of the transaction. - The user’s transactions will be highly secured and situations such as theft transactions will be avoided.

About

Ubupay

Features
Read full description

Ubupay by Ubuntu Financial is building the future of cross-border remittance, inspired by the spirit of Ubuntu — “I am because we are.” We believe money is more than just transactions, it’s about connection, empowerment, and trust. That’s why Ubupay combines cutting-edge technology with community values to deliver a better way to send money across borders. Whether you’re supporting family, helping friends, or funding businesses, Ubupay makes it fast, affordable, and stress-free. Why Choose Ubupay? Ultra-Low Fees – Save more with transparent, fair pricing. Lightning-Fast Transfers – Most transactions complete in minutes. Secure & Trustworthy – Bank-level security and encryption. Flexible Payout Options – Send to bank accounts, mobile wallets, or local agents. No Hidden Fees – Real-time exchange rates you can trust. Seamless User Experience Quick sign-up & secure verification. Enter recipient details. Choose amount & payment method. Confirm & send with confidence. Global Coverage Ubupay simplifies money transfers across Africa, Europe, Canada, and the USA. Bridging families and communities no matter where they are. Our Mission We’re committed to financial inclusion, transparency, and innovation. With Ubupay, you get lower fees, faster transactions, and greater impact. Together, we’re creating a more connected world. Download Ubupay today — and experience remittance the way it should be: secure, affordable, and powered by community.

Screenshots

LumiPAY4 screens
Ubupay4 screens

Verdict

The call

The clearest difference is ads: LumiPAY at none against Ubupay's shown. LumiPAY also leads on iOS requirement (12.0 vs 15.1). On price, update cadence, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

LumiPAY ships an update every 6 weeks, Ubupay every 3 weeks. The most recent releases landed on November 3, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 8 level
LumiPAY versus Ubupay: the parameters behind the verdict, then further details
ParameterLumiPAYUbupay
PriceFreeFree
Rating3.0 (6 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings6 — better—
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better15.1
Further details — not scored
Size136 MB46 MB
Age rating4+4+
DeveloperViettel BurundiUbuntu Financial Inc

In-app purchases

None

LumiPAY

No in-app purchases

None

Ubupay

No in-app purchases

Questions

Is LumiPAY free?
LumiPAY is free to download, with no in-app purchases.
Is Ubupay free?
Ubupay is free to download, with no in-app purchases.
Do LumiPAY or Ubupay have ads?
Ubupay shows ads; LumiPAY does not.
Which is updated more often, LumiPAY or Ubupay?
LumiPAY ships an update every 6 weeks, and Ubupay every 3 weeks. Most recently, LumiPAY was updated on November 3, 2026 and Ubupay on October 28, 2026.

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